| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | $46K | — | $46K | 2.78% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: JM BERENGUER & ASSOCIATES INC. | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | $20K | — | $20K | 1.17% |
| ACRISURE LLC | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA MEDICAL PLAN, INC. | — | $2K | $2K | 0.11% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: THE BERENGUER GROUP | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | TRANSAMERICA INSURANCE CO. | $29K | — | $29K | 13.76% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | — | $11K | $11K | 5.39% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $7K | $7K | 3.43% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $5K | — | $5K | 2.50% |
| J.M. BERENGUER & ASSOCIATES INC3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.39% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.39% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.00% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| BERENGUER GROUP BENEFITS3 | 12651 S DIXIE HWY SUITE 209 PINECREST, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 16.00% |
| ACRISURE LLC | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: J.M. BERENGUER & ASSOCIATES INC. | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $113 | $113 | 0.58% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $58 | — | $58 | 0.30% |
| J.M. BERENGUER & ASSOCIATES INC | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | — | $1K | $1K | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 125 | $1.7M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $175K |
| Vision | HUMANA INSURANCE COMPANY | 110 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $57K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 337 | $34K |
| Stop-loss / reinsurancereinsurance | TRANSAMERICA INSURANCE CO. | 136 | $212K |
| Other(5 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 337 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.